Should I be checking my Credit Report regularly and how often is it updated?

We would advise checking your Credit Report regularly to ensure you keep on top of your credit data.

Your TotallyMoney Credit Report contains data from the Credit Reference Agency, Callcredit. However, there are three Credit Reference Agencies (Callcredit, Experian, Equifax) and so it is worth checking your Credit Report data with all three.

Checking your Credit Report is recommended as it can provide you with a good opportunity to update any incorrect information that could be impacting your applications for credit products. It can also be an important indicator of any fraudulent activity.

TotallyMoney update your Credit Report each month. Although you should receive a new Credit Report once a month, it is important to note that any changes you have made to financial or public accounts could take up to six weeks to be updated. Therefore, depending on when your report was last updated, you may have to wait until the following month to see this information reflected on your TotallyMoney Credit Report.

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TotallyMoney is an independent credit broker, not a lender. It provides a free comparison service to customers, though it may be paid a fee by lenders.

TotallyMoney is owned and operated by TotallyMoney Limited which is registered in England and Wales (Company Registration Number 06205695). TotallyMoney Limited is an Appointed Representative of MI Money Limited, which is registered in England and Wales (Company Registration Number 0​6​9​6​7​0​1​2) and authorised and regulated by the Financial Conduct Authority in respect of consumer credit related activities (FCA FRN: 5​1​1​9​3​6). TotallyMoney Limited and MI Money Limited act as independent credit brokers, not credit lenders. Trading Address and Registered Office: Churchill House, 142-146 Old Street, London EC1V 9BW. Credit is available, subject to status, only to UK residents aged 18 or over.